Auto · County · Arkansas
Insurance agencies in Howard County, AR
Competitor counts, household spending and official business counts for insurance agencies in Howard County, AR, set against other counties and the U.S.
Groundwork market score · out of 100
Score 19 out of 100: Low
Ranked #2,105 of 2,272 scored counties
#58 of 59 scored counties in Arkansas
- Listings
- 17
- 3 chain locations (18%)
- Official establishments
- 12
- Businesses with payroll, 2023
- Household spending a year
- $13.1M
- On vehicle insurance · $2,562 a household
- Spending per listing
- $768K
- 39% below the U.S.
- Listings per 10k households
- 33.3
- 2.1 times the U.S.
- Population, 2025
- 12,306
- −3.6% since 2020
See the insurance agencies around any address in Howard County
The site report maps the insurance agencies on map listings near the address, by name and distance, and sizes the households and spending around it. Or open the report at the center of Howard County. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardSurvey estimates 2020–2024 · population estimates 2025 · official business counts 2023 · map listings September 2026 · Data credits · How we measure
What this means
For insurance agencies, Howard County has a Groundwork market score of 19 (low): #2,105 of 2,272 scored counties and #58 of 59 scored counties in Arkansas. That puts it in the bottom quarter of counties.
Household spending on vehicle insurance in Howard County comes to about $13.1M a year: $2,562 per household, 31% above the U.S. average. That is about $768K of household spending for each agency on map listings, 39% below the U.S. figure of $1.3M.
There are 17 insurance agencies on map listings in Howard County as of September 2026. Chain locations make up 18% of them, against 21% across the U.S. That is 33.3 per 10,000 households, 2.1 times the U.S. rate of 15.6.
The official count of businesses with payroll classed as insurance agencies and brokerages in Howard County was 12 in 2023. That is one for every 425 households, against one for every 966 across the U.S. Population estimates put the population change in Howard County from 2020 to 2025 at −3.6%, against +3.1% for the U.S.
How Howard County compares
The same measures for Arkansas and the whole U.S. Spending per listing divides a year of household spending on all vehicle insurance by the insurance agencies counted, so it measures the demand for each competitor, not any business’s revenue. Households per establishment does the same with the official count.
| Measure | Howard County | Arkansas | U.S. |
|---|---|---|---|
| Listings per 10k households | 33.3 | 17.9 | 15.6 |
| Spending per listing | $768K | $1.4M | $1.3M |
| Households per official establishment | 425 | 795 | 966 |
| Official establishment growth, 2019–2023 | n/a | +0.7% | −1.0% |
| Population growth, 2020–2025 | −3.6% | +3.3% | +3.1% |
| Spending per household on vehicle insurance | $2,562 | $2,473 | $1,957 |
| Median household income | $45,603 | $60,773 | $80,734 |
| Groundwork market score | 19 | 56 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 13 → 12
- Employees, 2023
- 30
- Annual payroll, 2023
- $1M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 173 chain locations
- Listings at the U.S. rate for this spending
- 10The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 0
- Amount
- $0
SBA-backed loans to businesses classed as insurance agencies and brokerages in Howard County, through June 2026, placed by the borrower’s ZIP code. Official establishments are businesses with payroll; the official counts leave out places with fewer than 3.
Population and households in Howard County
- Population, 2025 estimate
- 12,306−3.6% since 2020
- Households
- 5,098
- Median age
- 38.5
- Homes lived in by their owners
- 73%
- Vehicles per household
- 2.0
- Land area
- 587 sq. mi.
- People per square mile
- 21
- Median household income
- $45,603+26.5% vs. 2015–2019, before inflation
- Average household income
- $62,719
- Median home value
- $153,900
- Jobs located here
- 6,243
- Daytime population
- 13,655Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Howard County?
These figures cover the whole county. A site report draws rings around one address and counts what’s inside them: households, spending, jobs, and the insurance agencies on map listings by name and distance.
Or open the report at the center of Howard County. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardInsurance agencies across Arkansas
Every Arkansas market ranked →The highest-scoring counties in Arkansas for insurance agencies, numbered among those based in Arkansas, with Howard County marked.
Top counties in Arkansas
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Madison County, AR | 93 | 6 | 9.3 | $3.2M | +11.2% | #27 of 2,272 |
| 2Marion County, AR | 91 | 5 | 6.5 | $4.2M | +4.3% | #43 of 2,272 |
| 3Logan County, AR | 76 | 10 | 11.7 | $2.4M | +2.5% | #316 of 2,272 |
| 4Conway County, AR | 70 | 9 | 10.9 | $2.4M | +3.2% | #459 of 2,272 |
| 5Sevier County, AR | 70 | 7 | 12.5 | $2.1M | −0.1% | #467 of 2,272 |
| 6Johnson County, AR | 69 | 9 | 8.7 | $3M | +2.0% | #489 of 2,272 |
| 7Carroll County, AR | 67 | 16 | 14.1 | $2M | +3.6% | #560 of 2,272 |
| 8Lawrence County, AR | 67 | 9 | 13.6 | $1.8M | +0.3% | #565 of 2,272 |
| 9Hot Spring County, AR | 66 | 12 | 9.7 | $2.7M | +1.1% | #578 of 2,272 |
| 10Polk County, AR | 66 | 9 | 11.4 | $2.2M | +1.6% | #585 of 2,272 |
| 58Howard County, AR | 19 | 17 | 33.3 | $768K | −3.6% | #2,105 of 2,272 |
Other business types in Howard County
Each with its Groundwork market score here, out of 100, where it has one.
Food and drink
Groceries and convenience
Auto
Beauty and personal care
Fitness and classes
Health care
Child care
Clothing and laundry
Home services
Real estate
Funeral services
Questions
How many insurance agencies are in Howard County, AR?
As of September 2026, map listings count 17 insurance agencies in Howard County. 3 of them (18%) are chain locations. The listings count insurance agencies. Official counts show 12 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Howard County, AR spend on vehicle insurance?
About $13.1M a year, or $2,562 per household. That is 31% above the U.S. average (an index of 131, where 100 is the U.S. average). Spread across the 17 insurance agencies on map listings, it comes to $768K per agency. It is estimated from the incomes of the 5,098 households in Howard County and national spending patterns by income.
How does Howard County, AR compare with the U.S. for insurance agencies?
Howard County has 33.3 insurance agencies per 10,000 households, 2.1 times the U.S. rate of 15.6. Spending per agency is $768K, 39% below the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Howard County would have about 10, against 17 on map listings. There is one business with payroll in the industry for every 425 households, against one for every 966 across the U.S.
How fast is Howard County, AR growing?
Population estimates put Howard County at 12,306 people in 2025, down 3.6% since 2020, against +3.1% for the U.S. It has 5,098 households. Median household income in Howard County is $45,603, 44% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 26.5%, before inflation.
What is the Groundwork market score?
The Groundwork market score runs from 0 to 100 and compares a market with others of its kind for one business type: states with states, metro areas with metro areas, small-town markets and counties with their own. It weighs household spending per competitor (35%), households per business with payroll (25%), population growth (20%) and spending power (20%), each ranked against those peers. A higher score means that, taken together, the market has more household spending and more households for each business already there, faster population growth and more spending per household than similar markets. It describes a market, not any one site or deal. Howard County scores 19 for insurance agencies (low), #2,105 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Howard County. It maps the insurance agencies on map listings near the site and sizes the households and spending within the distance you choose. New accounts get 10 actions over 3 days, no card.
How the score works · Top markets for insurance agencies · All 56 business types in Howard County
Screening a site or an acquisition in Howard County?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
The button opens the report at the center of Howard County. Signed out, you see a blurred preview; on an account, each report is one action.
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are estimates for research only. Not investment or real estate advice.